730 FICO. Reason? Insufficient credit history. I called to try to get it reversed, but no go. The rep said I needed at least one Equifax account with 36 months' history. My oldest account reported on Equifax was 29 months. Had they pulled a bureau other than Equifax, I would have made it. Guess I wasted an inquiry. They didn't seem to care that Citibank, Discover and other reputable companies let me carry their cards. FYI, I pulled my Equifax score just tonight. It was 730, or within two points of the estimate QSpace gave me.